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Once a homeowner decides to either sell or refinance his/her home, an appraisal will be needed.  The appraisal must always requested by the lender client when money is borrowed to refinance or purchase a home.  The homeowner/borrower are customers only and are not considered a client of the appraiser. 

Homeowners/borrowers commonly think that they are the client of the appraiser since an appraisal is often paid by them directly to the appraiser.  The homeowner/borrower often insist on obtaining a copy of the appraisal from the appraiser since payment was made to the appraiser.  The appraiser must be diligent in providing the homeowner the information that the appraiser client is the lender and that the appraisal can not be sent to homeowner without the written consent from the lender even if paid by homeowner.  The Uniform Standards of Professional Appraisal Practice federal regulations states that the client must be the lender in all financing transactions that require bank funds including mortgages etc. 

Homeowner/Borrower can request a copy of the appraisal report from the lender.  Lender should be providing the copy to the homeowner.borrower once requested.  Lenders may place copy stamps on the appraisal report and provide information to the borrower that the appraisal may not be used for any other purpose.